{"text_format":"3","workbook":"xlsx","n_sheets":3,"sheets":["Input Sheet","Real Estate Financing Calc.","Sheet3"],"read":"whole","date_system":"1900"}

{"sheet":"Input Sheet","index":0,"n_rows":35,"n_cols":3,"rows_kept":35,"merged":[[11,2,11,6],[18,2,18,7]]}
["Data Input Sheet "]
[]
["Purchase Price",{"v":1777000,"d":"$1,777,000"}]
["Down Payment",{"v":0,"d":"$0"}]
["Amount of Purchase Price Financed",{"$f":"B3-B4","v":{"v":1777000,"d":"$1,777,000"}}]
["Guaranteed Interest Rate",{"v":0.059,"d":"5.900%"}]
["Guaranteed  Terms",30]
["Bank Beg. Farmer/SDA Down Payment Terms",30]
["FSA Beg. Farmer/SDA Down Payment Terms",20]
["FSA  D-FO Interest Rate",{"v":0.04,"d":"4.000%"}]
["FSA D-FO Terms",25]
["Particpation Lender Portion Amount",{"v":1176000,"d":"$1,176,000"},{"$f":"IF(AND(B5>0,B12=0),\"Warning! Must Enter Value\",IF(AND(B5>600000,B12<B5-600000),\"Warning FSA loan Amount Exceeded\",IF(B12>B5,\"Warning! Value Exceeds Amount Financed\",\"\")))","v":"Warning FSA loan Amount Exceeded"}]
["Land Price/Acre ",{"v":8000,"d":"$8,000"}]
[]
[]
["Shared Lien Postion RFA/Unguaranteed Portion",{"v":577000,"d":"$577,000"}]
["Shared Lien Postion Guaranteed Amount",{"v":600000,"d":"$600,000"},{"$f":"IF(AND(B18=600000,B17>1150000),\"Warning! FSA Loan Amount Exceeded\",  IF(B17+B18>1750000,\"Warning! FSA Loan Amount Exceeded\",\"\"))","v":""}]
["Shared Lien Position FSA Amount",{"v":600000,"d":"$600,000"},{"$f":"IF(B18>600000,\"Warning! FSA Loan Amount Exceeded\",\"\")","v":""}]
[null,{"$f":"SUM(B16:B18)","v":{"v":1777000,"d":"$1,777,000"}},{"$f":"IF(OR(B16+B17+B18>B5, B16+B17+B18<B5),\"Warning! Total Does Not Match Amount Financed\",\"\")","v":""}]
["Shared Lien Postion RFA/Unguaranteed Interest Rate",{"v":0,"d":"0.000%"}]
["Shared Lien Postion RFA/Unguaranteed Terms",0]
[]
[]
["Note:  When a unguaranteed real estate loan and guaranteed real estate loan share the same"]
["lien position the 85% loan to value ratio does not apply to junior liens for guaranteed real estate loans."]
[]
["All three Shared Position amounts must equal Amount of Purchase Price Financed."]
[]
["The Shared Lien Option can be used to calculate payment if Rural Finance Authority Loan programs are being used."]
["The Rural Finance portion may be guaranteed or unguaranteed depending Rural Fianace Authority Loan program and subject to FSA loan limits."]
[]
["Failure to correct any displaying \"Warning Messages\" will result in the option being blacked out."]
[]
["Disclaimer:  This calculator is only a guide.  Accuracy of the results are not guaranteed and are subject to the rules and regulations of the Farm Service Agency"]
["Version 6.5 last updated 11/8/19"]

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[null,"GUARANTEE FARM OWNERSHIP LOANS ","BEG. FARMER/   SDA DOWN PAYMENT",null,"DIRECT FARM OWNERSHIP ","50/50       JOINT FINANCING ",null,"PARTICPATION FINANCING",null,"SHARED LIEN BANK/GUAR/DIRECT"]
[]
[]
["PURCHASE PRICE"]
[{"$f":"'Input Sheet'!B3","v":{"v":1777000,"d":"$1,777,000"}},{"$f":"'Input Sheet'!B3","v":{"v":1777000,"d":"$1,777,000"}},{"$f":"'Input Sheet'!B3","v":{"v":1777000,"d":"$1,777,000"}},null,{"$f":"'Input Sheet'!B3","v":{"v":1777000,"d":"$1,777,000"}},{"$f":"'Input Sheet'!B3","v":{"v":1777000,"d":"$1,777,000"}},null,{"$f":"'Input Sheet'!B3","v":{"v":1777000,"d":"$1,777,000"}},null,{"$f":"'Input Sheet'!B3","v":{"v":1777000,"d":"$1,777,000"}}]
["DOWN PAYMENT",{"$f":"B7/B5","v":{"v":0,"d":"0%"}},{"$f":"C7/C5","v":{"v":0.05,"d":"5%"}},null,{"$f":"E7/E5","v":{"v":0,"d":"0%"}},{"$f":"F7/F5","v":{"v":0,"d":"0%"}},null,{"$f":"H7/H5","v":{"v":0,"d":"0%"}},null,{"$f":"J7/J5","v":{"v":0,"d":"0%"}}]
[{"$f":"'Input Sheet'!B4","v":{"v":0,"d":"$0"}},{"$f":"A7","v":{"v":0,"d":"$0"}},{"$f":"IF(A7>A5*0.05,A7,A5*0.05)","v":{"v":88850,"d":"$88,850"}},null,{"$f":"A7","v":{"v":0,"d":"$0"}},{"$f":"A7","v":{"v":0,"d":"$0"}},null,{"$f":"'Input Sheet'!B4","v":{"v":0,"d":"$0"}},null,{"$f":"A7","v":{"v":0,"d":"$0"}}]
["AMOUNT OF PURCHASE PRICE FINANCED",{"$f":"'Input Sheet'!B5","v":{"v":1777000,"d":"$1,777,000"}},{"$f":"C5-C7","v":{"v":1688150,"d":"$1,688,150"}},null,{"$f":"'Input Sheet'!B5","v":{"v":1777000,"d":"$1,777,000"}},{"$f":"'Input Sheet'!B5","v":{"v":1777000,"d":"$1,777,000"}},null,{"$f":"H5-H7","v":{"v":1777000,"d":"$1,777,000"}},null,{"$f":"J5-J7","v":{"v":1777000,"d":"$1,777,000"}}]
["TERMS"]
["BANK             LOAN AMOUNT   YEARS    INTEREST RATE","N/A","Bank",{"$f":"C11/C5","v":{"v":0,"d":"0%"}},"N/A","See Note",null,"See Note",null,"Bank",{"$f":"J11/J8","v":{"v":0.32470455824423183,"d":"32%"}}]
[null,null,{"$f":"IF(C8>1750000,C8-1750000,0)","v":{"v":0,"d":"$0"}},{"$nulls":6},{"$f":"'Input Sheet'!B16","v":{"v":577000,"d":"$577,000"}}]
[null,null,{"$f":"'Input Sheet'!B8","v":30},{"$nulls":6},{"$f":"IF('Input Sheet'!B21=0,J16,'Input Sheet'!B21)","v":30}]
[null,null,{"$f":"'Input Sheet'!B20","v":{"v":0,"d":"0.00%"}},{"$nulls":6},{"$f":"IF('Input Sheet'!B20 = 0,J17,'Input Sheet'!B20)","v":{"v":0.059,"d":"5.900%"}}]
["BANK  GUAR.            LOAN AMOUNT   YEARS    INTEREST RATE","Bank (100%)","Bank",{"$f":"C15/C5","v":{"v":0.7810917276308385,"d":"78%"}},"N/A","Bank",{"$f":"F15/F8","v":{"v":0.5,"d":"50%"}},"Bank",{"$f":"H15/H8","v":{"v":0.6617895329206528,"d":"66%"}},"Bank",{"$f":"J15/J8","v":{"v":0.3376477208778841,"d":"34%"}}]
[null,{"$f":"B8","v":{"v":1777000,"d":"$1,777,000"}},{"$f":"IF(AND(C5>667000,C5>1869473,C8>1776000),1475850,IF(AND(C5>667000,C5<=1837500),C8-300150,IF(AND(C5>1837500,C8<=1776000),C8-300150,IF(AND(C5<=667000, C7=C5*0.05), C5*0.5,IF(AND(C5<=667000,C7>C5*0.05),C5-(C5*0.45)-C7)))))","v":{"v":1388000,"d":"$1,388,000"}},null,null,{"$f":"F8/2","v":{"v":888500,"d":"$888,500"}},null,{"$f":"'Input Sheet'!B12","v":{"v":1176000,"d":"$1,176,000"}},null,{"$f":"'Input Sheet'!B17","v":{"v":600000,"d":"$600,000"}}]
[null,{"$f":"'Input Sheet'!B7","v":30},{"$f":"'Input Sheet'!B8","v":30},null,null,{"$f":"B16","v":30},null,{"$f":"B16","v":30},null,{"$f":"H16","v":30}]
[null,{"$f":"'Input Sheet'!B6","v":{"v":0.059,"d":"5.900%"}},{"$f":"B17","v":{"v":0.059,"d":"5.90%"}},null,null,{"$f":"B17","v":{"v":0.059,"d":"5.900%"}},null,{"$f":"B17","v":{"v":0.059,"d":"5.900%"}},null,{"$f":"B17","v":{"v":0.059,"d":"5.900%"}}]
["FSA                 LOAN AMOUNT   YEARS      INTEREST RATE","N/A"," FSA",{"$f":"C19/C5","v":{"v":0.1689082723691615,"d":"17%"}},"FSA (100%)","FSA",{"$f":"F19/F8","v":{"v":0.5,"d":"50%"}},"FSA",{"$f":"H19/H8","v":{"v":0.3382104670793472,"d":"34%"}},"FSA",{"$f":"J19/J8","v":{"v":0.3376477208778841,"d":"34%"}}]
[null,null,{"$f":"IF(C5>=667000,300150,C5*0.45)","v":{"v":300150,"d":"$300,150"}},null,{"$f":"E8","v":{"v":1777000,"d":"$1,777,000"}},{"$f":"F8/2","v":{"v":888500,"d":"$888,500"}},null,{"$f":"H8-H15","v":{"v":601000,"d":"$601,000"}},null,{"$f":"'Input Sheet'!B18","v":{"v":600000,"d":"$600,000"}}]
[null,null,{"$f":"'Input Sheet'!B9","v":20},null,{"$f":"'Input Sheet'!B11","v":25},{"$f":"'Input Sheet'!B11","v":25},null,{"$f":"'Input Sheet'!B11","v":25},null,{"$f":"H20","v":25}]
[null,null,{"$f":"IF('Input Sheet'!B10-0.04>0.015,'Input Sheet'!B10-0.04,0.015)","v":{"v":0.015,"d":"1.50%"}},null,{"$f":"'Input Sheet'!B10","v":{"v":0.04,"d":"4.000%"}},{"$f":"IF('Input Sheet'!B10<=0.045,0.025,'Input Sheet'!B10-0.02)","v":{"v":0.025,"d":"2.500%"}},null,{"$f":"IF(AND(I18>0.5,'Input Sheet'!B10>0.045),'Input Sheet'!B10,IF(AND(I18>0.5,'Input Sheet'!B10<=0.045),'Input Sheet'!B10,IF(AND(I18<=0.5,'Input Sheet'!B10<=0.045),0.025,IF(AND(I18<=0.5,'Input Sheet'!B10>0.045),'Input Sheet'!B10-0.02))))","v":{"v":0.025,"d":"2.500%"}},null,{"$f":"IF(AND(K18>0.5,'Input Sheet'!B10>0.045),'Input Sheet'!B10,IF(AND(K18>0.5,'Input Sheet'!B10<=0.045),'Input Sheet'!B10,IF(AND(K18<=0.5,'Input Sheet'!B10<=0.045),0.025,IF(AND(K18<=0.5,'Input Sheet'!B10>0.045),'Input Sheet'!B10-0.02))))","v":{"v":0.025,"d":"2.500%"}}]
["TOTAL PAYMENTS"]
[null,{"$f":"PMT(B17,B16,B15)*-1","v":{"v":127718.78301345142,"d":"$127,719"}},{"$f":"PMT(C17,C16,C15)*-1+PMT(C21,C20,C19)*-1+PMT(C13,C12,C11)*-1","v":{"v":117242.54249760602,"d":"$117,243"}},null,{"$f":"PMT(E21,E20,E19)*-1","v":{"v":113749.25787152983,"d":"$113,749"}},{"$f":"PMT(F17,F16,F15)*-1+PMT(F21,F20,F19)*-1","v":{"v":112083.54735591245,"d":"$112,084"}},null,{"$f":"PMT(H17,H16,H15)*-1+PMT(H21,H20,H19)*-1","v":{"v":117142.78230418757,"d":"$117,143"}},null,{"$f":"PMT(J13,J12,J11)*-1+PMT(J17,J16,J15)*-1+PMT(J21,J20,J19)*-1","v":{"v":117160.3796431381,"d":"$117,160"}}]
["COST/ACRE"]
[{"$f":"A5","v":{"v":1777000,"d":"$1,777,000"}},"G-F0","BF/SDA     DP-FO",null,"D-FO","JOINT",null,"PART",null,"SHARED "]
["WILL BUY @"]
[{"$f":"'Input Sheet'!B13","v":{"v":8000,"d":"$8,000"}},{"$f":"B23/A28","v":{"v":574.9860799705185,"d":"$575"}},{"$f":"C23/A28","v":{"v":527.8223635232685,"d":"$528"}},null,{"$f":"E23/A28","v":{"v":512.0957022916368,"d":"$512"}},{"$f":"F23/A28","v":{"v":504.5967241684297,"d":"$505"}},null,{"$f":"H23/A28","v":{"v":527.3732461640408,"d":"$527"}},null,{"$f":"J23/A28","v":{"v":527.452468849243,"d":"$527"}}]
[{"$f":"A25/A27","v":{"v":222.125,"d":"222"}}]
[{"$f":"A27+200","v":{"v":8200,"d":"$8,200"}},{"$f":"B23/A30","v":{"v":589.3607319697815,"d":"$589"}},{"$f":"C23/A30","v":{"v":541.0179226113502,"d":"$541"}},null,{"$f":"E23/A30","v":{"v":524.8980948489277,"d":"$525"}},{"$f":"F23/A30","v":{"v":517.2116422726405,"d":"$517"}},null,{"$f":"H23/A30","v":{"v":540.5575773181419,"d":"$541"}},null,{"$f":"J23/A30","v":{"v":540.6387805704741,"d":"$541"}}]
[{"$f":"A25/A29","v":{"v":216.70731707317074,"d":"217 "}}]
[{"$f":"A27+400","v":{"v":8400,"d":"$8,400"}},{"$f":"B23/A32","v":{"v":603.7353839690445,"d":"$604"}},{"$f":"C23/A32","v":{"v":554.213481699432,"d":"$554"}},null,{"$f":"E23/A32","v":{"v":537.7004874062187,"d":"$538"}},{"$f":"F23/A32","v":{"v":529.8265603768513,"d":"$530"}},null,{"$f":"H23/A32","v":{"v":553.7419084722429,"d":"$554"}},null,{"$f":"J23/A32","v":{"v":553.8250922917052,"d":"$554"}}]
[{"$f":"A25/A31","v":{"v":211.54761904761904,"d":"212"}}]
[{"$f":"A27+600","v":{"v":8600,"d":"$8,600"}},{"$f":"B23/A34","v":{"v":618.1100359683074,"d":"$618"}},{"$f":"C23/A34","v":{"v":567.4090407875136,"d":"$567"}},null,{"$f":"E23/A34","v":{"v":550.5028799635096,"d":"$551"}},{"$f":"F23/A34","v":{"v":542.441478481062,"d":"$542"}},null,{"$f":"H23/A34","v":{"v":566.9262396263439,"d":"$567"}},null,{"$f":"J23/A34","v":{"v":567.0114040129363,"d":"$567"}}]
[{"$f":"A25/A33","v":{"v":206.62790697674419,"d":"207"}}]
[{"$f":"A27+800","v":{"v":8800,"d":"$8,800"}},{"$f":"B23/A36","v":{"v":632.4846879675704,"d":"$632"}},{"$f":"C23/A36","v":{"v":580.6045998755953,"d":"$581"}},null,{"$f":"E23/A36","v":{"v":563.3052725208005,"d":"$563"}},{"$f":"F23/A36","v":{"v":555.0563965852726,"d":"$555"}},null,{"$f":"H23/A36","v":{"v":580.1105707804448,"d":"$580"}},null,{"$f":"J23/A36","v":{"v":580.1977157341673,"d":"$580"}}]
[{"$f":"A25/A35","v":{"v":201.9318181818182,"d":"202"}}]
[{"$f":"A27+1000","v":{"v":9000,"d":"$9,000"}},{"$f":"B23/A38","v":{"v":646.8593399668333,"d":"$647"}},{"$f":"C23/A38","v":{"v":593.8001589636771,"d":"$594"}},null,{"$f":"E23/A38","v":{"v":576.1076650780914,"d":"$576"}},{"$f":"F23/A38","v":{"v":567.6713146894834,"d":"$568"}},null,{"$f":"H23/A38","v":{"v":593.2949019345459,"d":"$593"}},null,{"$f":"J23/A38","v":{"v":593.3840274553984,"d":"$593"}}]
[{"$f":"A25/A37","v":{"v":197.44444444444446,"d":"197"}}]
[{"$f":"A27+1200","v":{"v":9200,"d":"$9,200"}},{"$f":"B23/A40","v":{"v":661.2339919660963,"d":"$661"}},{"$f":"C23/A40","v":{"v":606.9957180517588,"d":"$607"}},null,{"$f":"E23/A40","v":{"v":588.9100576353824,"d":"$589"}},{"$f":"F23/A40","v":{"v":580.2862327936942,"d":"$580"}},null,{"$f":"H23/A40","v":{"v":606.479233088647,"d":"$606"}},null,{"$f":"J23/A40","v":{"v":606.5703391766295,"d":"$607"}}]
[{"$f":"A25/A39","v":{"v":193.15217391304347,"d":"193"}}]
[{"$f":"A27+1400","v":{"v":9400,"d":"$9,400"}},{"$f":"B23/A42","v":{"v":675.6086439653592,"d":"$676"}},{"$f":"C23/A42","v":{"v":620.1912771398405,"d":"$620"}},null,{"$f":"E23/A42","v":{"v":601.7124501926733,"d":"$602"}},{"$f":"F23/A42","v":{"v":592.9011508979049,"d":"$593"}},null,{"$f":"H23/A42","v":{"v":619.663564242748,"d":"$620"}},null,{"$f":"J23/A42","v":{"v":619.7566508978606,"d":"$620"}}]
[{"$f":"A25/A41","v":{"v":189.04255319148936,"d":"189"}}]
["Note:"]
["Loan limits for each program:  G-FO - $1,776,000; DDP-FO - $300,150; Joint - $1,200,000; D-FO - $600,000"]
["Total Combination G-FO & D-FO $1,776,000"]
[]
["The Downpayment program may receive up to a 95% guarantee.  Loan amount percentages are based on total purchase price."]
["The bank portion is automatically calculated when the loan limit is exceeded for the FSA and Bank Guaranteed portion. "]
["The interest rate for the bank portion is automatically used from Shared Lien Unguaranteed option. "]
[]
["Particpation Financing loan amount percentages are based on amount financed.  This dictates the interest rate on the FSA portion."]

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